Ayo, CEO Shines at 7th National Tech Awards with Four Major Honors

aYo Ghana's Leadership in Digital Microinsurance
aYo Ghana has once again proven its leadership in the field of digital microinsurance by securing four major awards at the 7th National Technology and Communications Awards (NTCA). The company was honored with the titles of Mobile Insurance Innovation of the Year, Innovative Digital Insurance Platform of the Year, and Customer Experience Champion of the Year. Additionally, its Chief Executive Officer, Francis Gota, was recognized as InsurTech CEO of the Year.
These accolades mark a significant milestone for aYo Ghana, which has successfully insured over 8.5 million lives across the country and paid more than GH¢35 million in claims. This achievement underscores the company’s dedication to providing real value and protection to Ghanaians.
Driving Impact Through Simple, Relevant Digital Products
The company's flagship products, such as Recharge with Care, Family Cover, Annual Cover, MedCover, Pay & Drive motor insurance, and other embedded microinsurance solutions, have become the foundation of its inclusive insurance strategy. These offerings combine life, hospital, accident, and business protection, tailored specifically for mass-market customers who need flexible and low-commitment coverage.
aYo Ghana’s success is driven by its ability to simplify processes like policy enrollment, renewals, and claims through mobile channels. This ensures that customers can sign up and remain protected without dealing with paperwork or complex procedures.
Built for the Customer – Strong Touchpoints Across Ghana
aYo’s capacity to serve millions is supported by its extensive and customer-friendly network of touchpoints, including:
- USSD codes (*296#) for instant registration and claims initiation
- MTN Mobile Money integrations for seamless premium payments
- A multilingual call centre and interactive voice response (dial 296) offering personalized customer support
- Social media platforms, including WhatsApp (+233596918235) and digital chat channels for fast, convenient engagement
- Nationwide agents who interact directly with customers in rural and peri-urban areas
- Partner-based activations, especially within MTN service centers, to enhance accessibility
This omnichannel model ensures that customers, regardless of their location or level of digital literacy, can interact with aYo in the way that best suits them.
Customer Experience Excellence, Backed by Results
The Customer Experience Champion of the Year award highlights aYo Ghana’s commitment to service excellence. Over the past year, the company has implemented several initiatives aimed at improving trust, clarity, and convenience for policyholders. These include:
- Proactive customer education campaigns to ensure subscribers fully understand benefits, premiums, and exclusions
- Faster, simplified claims processing, with many claims settled within 5 working days
- Transparent claims tracking via SMS updates
- Digital policy statements and reminder notifications for clarity and transparency
- Enhanced customer feedback systems, enabling continuous improvement based on real insights
“Through these interventions, aYo Ghana has significantly boosted customer satisfaction, reduced pain points, and strengthened confidence in mobile insurance,” the statement said.
Leadership Driving Innovation
Receiving the InsurTech CEO of the Year award, aYo Ghana’s CEO, Mr. Francis Gota, expressed gratitude to customers, partners, and staff for their continued trust and collaboration. He reaffirmed the company’s mission of driving inclusive, technology-enabled insurance for every Ghanaian. “These awards reflect our collective commitment to innovation, customer trust, and digital transformation,” he said. “We will continue to build relevant products, invest in our digital channels, and ensure that every Ghanaian, regardless of income or location, has access to meaningful protection.”
A Model for Africa
With these four awards, aYo Ghana strengthens its position as one of Africa’s leading InsurTech brands. The company’s digital distribution model, anchored on mobile technology, inclusive products, and customer-first service, continues to serve as a benchmark for the industry and a blueprint for insurance transformation across the continent.
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